Showing posts with label economizing. Show all posts
Showing posts with label economizing. Show all posts

Monday, February 22, 2010

The Difference Between The Husband and Me

I had to pick up a few things at the grocery store today. The sun was shining, I was without children and gosh darn it, it felt great.

20 minutes all to myself and I spent it inside Save-On-Foods. Who needs beer when you live life like I do.

The bill came to $10.34. I handed the cashier a ten dollar bill and 35 cents. She took the money and put it inside the till.

Then she asked me if I wanted my change.

She apparently doesn't read my blog.

I'll be honest with you. Although I razzed my dear husband about not wanting those two pennies back at MickyD's, I honestly didn't know what I would have said.

I found out today.

"Yes."

I told the cashier I wanted my penny.

Let me just pause while that sinks in.

Yes. I said YES I wanted my dang penny, thankyouverymuch, took that penny and put it in my change purse. It was pure instinct. No hesitation. And with witnesses present. It's not like I was in the drive thu. I publicly announced to the entire quick serve 15 items or less line that yes, Scottish blood runs through my veins and I wanted a solitary penny.

But dang it, a person's got to have principles. right? If I had paid by debit card, she wouldn't have asked if she should just round up my total to $10.35, right?

Right?

They're not gonna start doing that, right? 'Cause I can't take the humiliation.

Saturday, December 13, 2008

Christmas - Griswold Style

I read an interesting article in the Province newspaper on Friday. Online of course because I'm too cheap to buy the paper.

The title caught my eye. Seven Ways to Save Like Scrooge. Now that's my kind of Christmas cheer.

But I was quickly disappointed. The author started talking about how amazing it was that someone set a Christmas table for $90. I don't spend $90 on our entire Christmas meal, let alone on the table setting.

I began to think this article may not be scroogy enough for my life.

And then I read suggestion #4 "Last year's lights and faux wreaths, garlands and trees can all be reused."

This blew me away. I always throw out the brand new lights I purchase every year. I can reuse them?! Those Conservatives better get their butts back to work and pass some new legislation that says Christmas light must have the words "REUSABLE" posted in red letters on all the boxes. How's a person suppose to know these things?

Seriously though, I laughed and snorted as I read the article. Then I got irritated that someone had been paid to write an article about "Saving like Scrooge" when they really meant "Saving Like I'm Going to be Earning Less than $100, 000 Next Year and I Don't Have Children or Any Common Sense". There's a subtle difference.

So I thought the time is at hand for the REAL "7 Ways to Save Like Scrooge".

Merry Christmas and Ba Humbug to all.


7 Ways to Save Like a Griswold
by Mrs. Mahoney

The holidays....the joyous time of year when your counter tops are piled with unaddressed Christmas cards, broken Christmas ornaments and plates of gingerbread cookies with all the candy picked off. You've just hung up the phone after yet another conversation with your mother-in-law about table settings and green candles vs red. You must convince yourself that you can make it through the day without breaking out the Christmas Baileys you have hiding behind the light bulbs in the cupboard over the the stove.

As you sit down at the one corner of clear counter top, you start another list. The dreaded "how am I going to make the chequing account stretch enough to cover everything else I need to get" list. Alvin and the Chipmunks start singing about the joys of the season over the radio waves and something cracks. You've hit the proverbial gingerbread wall of Christmas preparation despair. A reprieve from all things jolly and bright is not in your near future. You know you need to get up, brush off the cookie crumbs and get on with it, but without the Baileys, how's a person suppose to cope?

Fear not. Mrs. Griswold is here to help.

In seven remarkably common sense steps, you too can have a Griswold Christmas.

As long as you serve liquor.


Step 1: Reality check

Before you can start saving your sanity and your money, you've got to get a grip. There is no such thing as Martha Stewart. Not even Martha Stewart is real. She pays gobs of people to do most of that stuff for her. So unless you're rich (and if you are, I'm pretty sure you're not reading this little article), stop thinking this is going to be the perfect Christmas. I've got news for you. The perfect Christmas took place in a little barn over 2000 years ago. There is no way you can compete with that.

Think back to the Christmases in your past. What are your favourite memories? Unless it was unwrapping a diamond of any shape or size, I'm betting that your special memories had little to do with getting 'things'. Favourite Christmas movies, driving through different neighbourhoods to look at the Christmas lights, baking the yearly Christmas fruit cake....oh, wait. That's my dad's favourite memory. Well, not baking it himself. 'Supervising' the baking would be more accurate. My recollection of that yearly event in my childhood is one of kinda feeling bad for the relatives that were getting that particular gift. Don't be baking fruit cake for people. Well, except for my dad.

Step 2: Prioritize

How much do you have to spend? Be it $20 or $200, what's your reality? Crack open the Baileys, sit down and face the reality of just how middle class you really are. Join the club and pass the liquor. If you sit there long enough, you'll start seeing that dismal number in double and that can only be a good thing.

Ok. I'll be serious. What gifts do you still need to purchase? What food do you need? What Christmas lights do you need to buy that your husband won't end up putting up anyways and you'll just end up boxing up with great irritation and cook him a crappy dinner that night and he'll have no idea what he did? It's all a matter of prioritizing wants versus needs.

Step 3: Gifts

Who do you need to give gifts to? Family and relatives of course, but then there's the list of teachers, coaches, babysitters, dance instructors....the list goes on and even a small $5 gift really starts to add up.

Instead, put a few Christmas cookies in a festive bag tied with ribbon and a personalized card from you child telling why that person has made a difference in your child's life. Christmas is an important time of year to recognize all the people in our lives and a gift from the heart speaks volumes. I worked in daycare for a number of years. I can't remember the things people gave me, but I still have the cards from the people who took the time to tell me that I was valued part of their child's life and why that was so.

When it comes to family and relatives, set yourself a dollar amount before you head out to the malls....actually, don't head to the malls. I'd rather you shop at your local 7-11 than go to a mall during the month of December. And in fact, if you're buying gift cards for anyone, why on earth would you enter a mall? You can buy practically whatever card you need at your local grocery store or gas station. Get gas, gift cards and a breakfast burrito all at the same time. It's a wonderful world.

Step 4: Decorating the House

Apparently, you're suppose to have a Christmas decorating theme. I choose the same theme every year. It's called Holiday Explosion. If it's red, green, silver, gold or given to me free, it is covering something or hanging from somewhere in the house. Sadly, this year's 'in' Christmas colour is purple. It's going to be very embarrassing having people over this year. What will they think? I mean, besides for my sad cooking skills and the desperate need to call a carpet cleaner.

I choose to decorate our house in memories, child made ornaments and candy. It works for us. It could work for you too. But if you're needing to acquire some holiday decorations, I implore you to get thyself to your local Salvation Army. Everything Christmas is 50% off right now. I scored a huge garland with adjustable twinkly lights for $2.50 this week. (Sadly, not one twinkly light is purple.) They look fabulous on my banister up the stairs. No, they're not LEDs, but I figure that it all evens out. I'm supporting the work that the Salvation Army does. And I'm reusing something instead of buying a new set of environmentally friendly lights that have made their way on a cargo ship all the way from China. I think we're even.

When it comes to trimming the tree, ingenuity can be key. We had two Christmas decoration disasters - one involving mice and one involving a large quantity of tepid water. Both resulted in the majority of our decorations being destroyed. And me crying. And cursing the day we ever decided to live in that particular house. Anywhoo...both those Christmases were times that did not have extra money to even head down to the local Salvation Army. So we decorated our tree with strung popcorn and decorated gingerbread men. We all had fun making the decorations. And the tree looked great.

Step 5: The Christmas Table

Let's be realistic here. A few pine cones and evergreen boughs (we live on the west coast....go for a walk), some candles, a bit of glitter, a Christmas cracker on each plate, and you're set. People come to eat your food. I have yet to have someone over that refuses to sit at my table because it's not decked out in purple. And the one time I DID have a lovely centrepiece, it was completely in the way of talking to people on the other side of the table and took up space where I wanted to put food. No, my table will never end up on the cover of a Christmas magazine, but I ask you this. Do you remember what the table you sat at last year looked like? Or do you remember the people who sat around it?

I thought so.

If you're one of those people who love the whole table decoration stuff, all the power to you. But truly, this is a place where you can use what you already have in the house and still have a beautiful table. Put some decorations in a bowl for a centrepiece, use some of nature's beauty. Imagination and not money is what's needed.

And wine glasses. Don't forget the wine glasses.

Step 6: The Christmas Meal

If you're really smart like me, you'll have your in-laws host their side of the family over at your house because it's bigger, and they'll bring all the food. Then on the opposite year have your side of the family's big dinner at your parents' house. It works out great.

If you're totally not lucky like me, and have the great task of putting on the Christmas feast, I suggest cooking with lots of wine. In your glass. And some in the gravy.

And of course, having everyone chip in. That's actually what we do with my side of the family. Everyone brings part of the meal. Works great. Everyone shares in the buying and making of the food. It really takes the pressure off of one person. And as long as my sister brings Tomorrow's Salad, it's all good.

Step 7: Remembering What Christmas is All About

The magic of Christmas isn't found in gift cards, fancy decorations or any shade of violet. It won't appear just because your home is picture perfect and ready for the Queen to stop by unannounced.

The magic appears at the sight of your husband hauling a Christmas tree over his shoulder, being followed by your four children, the two year old skipping along and shouting, "Tismas tee!! Tismas tee!!" It can be found in the joy of knowing you've been given one more year to share it with loved ones. It can appear when unwrapping a decoration that used to adorn the tree of a relative long since passed. The magic of the season is in remembering the 'reason for the season'. It's about a baby who was born in a stable and changed to world.

Presents need to be bought and wrapped, dinners prepared for, houses cleaned.

But don't forget to let the magic in.

Thursday, June 19, 2008

A Job

I've been contemplating a job.

Not a job in my field of expertise (perhaps that's stretching things....my field of "I know a lot about it" may be more apt?) A job that's 'just' a job. A job where you go to work, do what needs to be done and then you get to go home and not think about that job until your next shift. The kind of job that you figure out how much you just made working said job as you drive home. The type of job that doesn't send you emails between shifts, and involve worrying about children that are not your own. The kind of job that doesn't take over your family.

So I've come up with a few parameters for my search.

1. It has to be when either the husband or the oldest is home. There's no point in paying a babysitter for the youngest one if you're working for minimum wage.

2. It can't be when any child in the house has a scheduled activity to be driven to. Summer is fairly light, but during the school year, this eliminates Mondays (Sparks for Eilidh), Tuesdays (Irish Dance for Kaitlyn and Eilidh) and Wednesdays (Soccer for Patrick, Youth group for Kaitlyn) and Saturdays (Soccer for Patrick).

3. It cannot be when Kaitlyn needs to be driven to work and Heath is not home. She usually works Mondays, Thursdays and on the weekend.

4. The job has to be close by. With the price of gas, I'm not interested in driving to work just to pay for the gas to get there.

5. It can't be at dinner time. That's family time.

6. It cannot rely on Heath getting home from work at any specific time. Sometimes he needs to come home when work is done, not when the clock says so.

7. It has to be flexible to children waking up in the morning with fevers, unexplained rashes and projectile vomiting.

8. No brown uniforms.

So, when I work all the above into a grid, I think I'm looking at working Thursday and Sunday nights from midnight - 3 am, barring sick children and unknown skin issues.

Perhaps I had better start recycling those coffee filters.

Tuesday, May 27, 2008

Economizing

I had the pleasure of paying $1.37 per litre for gasoline today. As one is pumping liquid gold into their 12 year old inefficient minivan, one gets to thinking. Not a lot of thinking time, mind you, as it doesn't take long to pump $30 worth of gas.

And I thought that the time has come for a bit of economizing.

I've been on quite a few 'money stretching' websites, all promising to help me get out of debt and actually have a savings account by reusing my coffee filters. I'm all for stretching a dollar, but I'm not convinced that reusing a 1 cent coffee filter three times will allow me to retire in Florida.

I think I do pretty well feeding, clothing and sheltering a family of 6 on one income. We eat way too many hotdogs and boxes of macaroni and cheese, and way too little steak if one was to ask my husband, but on the whole, all the basic food groups are met each day. But between the rising gas prices and the increased cost of food lately, it's time to draw up another 'list'....the Mahoney Economiser.

1. Milk

I shocked the family last shopping day by informing them I would no longer be buying so much milk. We've been going through 5 gallons a week. I told everyone I was only purchasing 3 gallons on my Friday shopping day, and if we ran out before then, I was not going to be buying more. They looked at me like I had just grown a goiter on my neck.

But numbers talk. $3.89 is the cheapest I can purchase a gallon of milk out in these parts. So when I told them that we're spending $77.80 a month for milk, practically 1/5 of our grocery budget, it began to sink in. The lesson being that we're probably going to be without milk in the house for 2 days a week, but everyone around here knows to step away from the crazy lady spewing numbers out her goiter.

2. Hot Water

This family likes to be way too clean. Patrick's the only one doing his part on this one and we can all stand to take note of his valiant efforts to use as little hot water as possible. Some 'green' person on the radio was going on about how his family uses a timer to make sure everyone only takes 5 minute showers. That got me to thinking. I was thinking that's really stupid. A hot shower is about as close as I'll ever come to a spa treatment in my lifetime, and I'm not willing to give that up yet. I think I'm going to leave this one to Patrick.

3. Children

Ha...who am I kidding.

4. Entertainment

We will no longer be renting movies. With the start of warm weather, we are now going to set up our lawn chairs on the front lawn and watch a movie through the neighbour's window on his big screen tv.

5. Holidays

I think we may have to postpone our 2 month trip to Europe. Oh, wait, that's my alter ego's life. Sigh. This year we're planning on driving far enough away from home so when our vehicle breaks down on the highway, it makes for a great story. 'Cause us Griswolds don't have enough of those. I have no idea how that's economizing, but, hey, it may be another great chapter in my future best seller.

6. The Minivan

I shall drive the hunk of purple metal until it will go not a metre farther. I shall resist all shiny ads coyly displaying beautiful 7 seater passenger vehicles. I will not be swayed by the words 'sto and go' and 'working radio'. I will only drive it when reallllly needed, and tell myself this is to save money on gas, not to lower my carbon emissions, 'cause I'm really not into that. And for all you greeners out there, don't bother leaving me nasty comments about how I don't care about my children's future. After you have convinced all the wealthy and famous people to stop flying their private jets to some far away island 6 times a year and close up some wings in their fancy mansions, you can get back to me.


I'd love to hear about other people's economizing strategies. I'm all ears and a goiter.